Let's start at the very beginning. First things first, if you haven't already, you download Cleo (your salary advance isn't the only great thing you're about to experience).
Once you've done some exploring and been won over by Cleo's charm (read: savage roasting of your funds), you do yourself ANOTHER favour and get Cleo Plus. Sure, you're paying $5.99 for this but that's cheaper than the charges you're about to start swerving, and it's not going to hit you out of nowhere.
Once you've done the deed, you'll need to set up your Cleo wallet and link up a bank account. Cleo never goes near your bank balance, but she does drop money directly into your specific Cleo wallet when times are tough (s a l a r y a d v a n c e).
Debit card connected to your account? You're ready to ask Cleo for a salary advance. No documents, no questions, no supervisors needed. How exciting.
Time for your salary advance request. All you need to do is say 'Salary advance' or 'Spot me' to cleo, take your pick, and she'll do the rest. If you're eligible for a salary advance she'll let you know and front you anything from $25-$100, depending on how much you want.
Pick your repayment date (anywhere between 3 and 28 days of receiving the loan – your money, your terms).
Pick the day of the month you want to see your money in your Cleo wallet (on the day $3.99, or in four days time for absolutely free. Investing in your future is cool).
DW though, if you don't qualify for a salary advance she's not giving up – she's helping you get there. She'll run you through some Badges and Challenges that you can do within the app to boost your score and unlock your money help in the future. You're gonna get your money and have an ok time in the process. Dreamy.
You're getting charged in ridiculous velocity for something that you couldn't afford in the first place.